非洲加密货币监管状况：逐个国家分析

近年来，在独特的经济挑战和技术创新的共同推动下，加密货币在非洲的采用经历了显着增长。

INPUT: Cryptocurrency adoption in Africa has experienced remarkable growth in recent years, driven by a combination of unique economic challenges and technological innovation.

输入：近年来，在独特的经济挑战和技术创新的共同推动下，加密货币在非洲的采用经历了显着增长。

The continent has become a hotspot for crypto activity, with countries like Nigeria, Kenya, and South Africa leading the way in trading volumes, peer-to-peer transactions, and blockchain-based solutions. For many Africans, cryptocurrency offers a lifeline in navigating issues such as inflation, limited access to traditional banking, and the high cost of cross-border remittances.

非洲大陆已成为加密货币活动的热点，尼日利亚、肯尼亚和南非等国家在交易量、点对点交易和基于区块链的解决方案方面处于领先地位。对于许多非洲人来说，加密货币为解决通货膨胀、传统银行业务有限以及跨境汇款成本高昂等问题提供了生命线。

The rise of digital currencies has sparked debates on balancing innovation with consumer protection, addressing financial crimes, and fostering economic growth.

数字货币的兴起引发了关于平衡创新与消费者保护、解决金融犯罪和促进经济增长的辩论。

This article examines the current state of crypto regulation in Africa, highlighting the countries that have active legal regimes allowing crypto activity at the end of 2024.

本文探讨了非洲加密货币监管的现状，重点介绍了在 2024 年底拥有允许加密货币活动的有效法律制度的国家。

 

 

1.) South Africa

1.) 南非

South Africa has established itself as a frontrunner in cryptocurrency regulation on the African continent.

南非已成为非洲大陆加密货币监管的领跑者。

In October 2022, the Financial Sector Conduct Authority (FSCA) classified crypto assets as ‘financial products’ under the Financial Advisory and Intermediary Services Act, requiring Crypto Asset Service Providers (CASPs) to obtain licenses.

2022 年 10 月，金融部门行为监管局 (FSCA) 根据《金融咨询和中介服务法》将加密资产归类为“金融产品”，要求加密资产服务提供商 (CASP) 获得许可证。

🇿🇦REGULATION | FSCA Approves 20 More Crypto Asset Service Providers (CASPs)

🇿🇦监管 | FSCA 批准了另外 20 家加密资产服务提供商 (CASP)

The Financial Sector Conduct Authority (FSCA) has approved twenty (20) more applications for rendering crypto asset services in South Africa.

金融部门行为监管局 (FSCA) 已批准另外二十 (20) 份在南非提供加密资产服务的申请。

This brings… pic.twitter.com/011000330I

这带来了…… pic.twitter.com/011000330I

— BitKE (@BitcoinKE) December 1, 2024

— BitKE (@BitcoinKE) 2024 年 12 月 1 日

By late 2024, the FSCA had approved 248 CASP licenses, following rigorous evaluations of applicants’ security measures, governance, and anti-money laundering (AML) capabilities.

在对申请人的安全措施、治理和反洗钱 (AML) 能力进行严格评估后，截至 2024 年底，FSCA 已批准 248 个 CASP 许可证。

🇿🇦REGULATION | South Africa Has Now Approved 248 Crypto Providers Out of 420 Received So Far, Only 9 Applications Rejected

🇿🇦监管 |迄今为止，南非已收到 420 家加密货币提供商，其中已批准 248 家，仅 9 家申请被拒绝

This post identifies two key areas that resulted from applications getting rejected by the FSCA.https://t.co/9osgvhErjt @fscasouthafrica pic.twitter.com/2fvVgBZoty

这篇文章指出了申请被 FSCA 拒绝的两个关键领域。https://t.co/9osgvhErjt @fscasouthafrica pic.twitter.com/2fvVgBZoty

— Bitcoin Kenya (@BitcoinKE) December 16, 2024

— 比特币肯尼亚 (@BitcoinKE) 2024 年 12 月 16 日

Further strengthening oversight, the country’s Financial Intelligence Centre Act was amended to include CASPs as accountable institutions, mandating compliance with AML regulations, customer due diligence, and suspicious transaction reporting. This proactive approach has legitimized the crypto industry, encouraging traditional financial institutions to engage with digital assets and creating a secure, integrated financial ecosystem.

为了进一步加强监管，该国的《金融情报中心法》进行了修订，将 CASP 纳入问责机构，要求遵守反洗钱法规、客户尽职调查和可疑交易报告。这种积极主动的做法使加密货币行业合法化，鼓励传统金融机构参与数字资产并创建一个安全、集成的金融生态系统。

South Africa’s comprehensive regulatory framework has served as a benchmark for other African nations, showcasing how clear policies can promote innovation while safeguarding financial stability.

南非的全面监管框架成为其他非洲国家的基准，展示了明确的政策如何在促进创新的同时维护金融稳定。

 

 

2.) Mauritius

2.) 毛里求斯

Mauritius has established itself as a forward-thinking jurisdiction in the regulation of virtual assets and related services. The enactment of the Virtual Asset and Initial Token Offering Services (VAITOS) Act on February 7 2022 marked a significant milestone in the country’s efforts to provide a comprehensive regulatory framework for the virtual asset industry.

毛里求斯已成为虚拟资产及相关服务监管方面具有前瞻性的司法管辖区。 2022 年 2 月 7 日颁布的《虚拟资产和首次代币发行服务 (VAITOS) 法案》标志着该国为虚拟资产行业提供全面监管框架的努力中的一个重要里程碑。

 

Key Features of the VAITOS Act

VAITOS 法案的主要特点

Mauritius does not impose capital gains tax; therefore, gains from the disposal of crypto assets are generally exempt from taxation. However, if such gains are considered as trading profits, they may be subject to income tax. The classification depends on the nature of the transactions and the intent behind holding the assets.

毛里求斯不征收资本利得税；因此，处置加密资产的收益通常是免税的。然而，如果此类收益被视为交易利润，则可能需要缴纳所得税。分类取决于交易的性质和持有资产背后的意图。

 

3.) Namibia

3.) 纳米比亚

On July 25 2023, Namibia enacted the Virtual Assets Act 2023, signaling a pivotal shift towards the regulation of virtual assets and service providers.

2023 年 7 月 25 日，纳米比亚颁布了《2023 年虚拟资产法》，标志着对虚拟资产和服务提供商的监管发生了关键转变。

REGULATION | The Namibian 🇳🇦 Government Officially Gazzettes the Virtual Assets Act 2023 into Law to Regulate Virtual Asset Service Providers

监管 |纳米比亚🇳🇦政府正式将《2023年虚拟资产法》公布为监管虚拟资产服务提供商的法律

The Namibia Virtual Assets Bill is now a law after its gazzettment. Namibia now joins South Africa 🇿🇦 and Nigeria 🇳耆as the African… pic.twitter.com/yoJZxzofd2

纳米比亚虚拟资产法案在公报公布后现已成为法律。纳米比亚现在加入南非🇿🇦和尼日利亚🇳耆的行列，成为非洲… pic.twitter.com/yoJZxzofd2

— Bitcoin Kenya (@BitcoinKE) July 27, 2023

— 比特币肯尼亚 (@BitcoinKE) 2023 年 7 月 27 日

The Act, which was the 3rd of its kind in Africa, mandated that Virtual Asset Service Providers (VASPs) obtain licenses to operate within Namibia, ensuring compliance with established standards.

该法案是非洲第三部此类法案，规定虚拟资产服务提供商 (VASP) 必须获得在纳米比亚境内运营的许可证，以确保遵守既定标准。

The Act provisioned a designated Regulatory Authority tasked with overseeing and supervising VASPs and related activities, aiming to ensure consumer protection and the integrity of the financial system.

该法案规定了一个指定的监管机构，负责监督和监督 VASP 及相关活动，旨在确保消费者保护和金融体系的完整性。

Previously in 2017, the Bank of Namibia issued a position paper declaring that virtual currencies were not recognized as legal tender and prohibiting their use for payment of goods and services. Additionally, the establishment of cryptocurrency exchanges was deemed illegal under the Exchange Control Regulations of 1961.

此前在2017年，纳米比亚银行发布了一份立场文件，宣布虚拟货币不被视为法定货币，并禁止其用于支付商品和服务。此外，根据 1961 年《外汇管制条例》，建立加密货币交易所被视为非法。

 

 

4.) Seychelles

4.) 塞舌尔

Seychelles is one of the leading countries for crypto entrepreneurs with blockchain startups in the country having received the most venture capital in 2023.

塞舌尔是加密货币企业家的领先国家之一，该国区块链初创公司在 2023 年获得了最多的风险投资。

🇸🇨REPORT | Seychelles Accounted

🇸🇨报告 |塞舌尔会计